Compare Reliance vs Bajaj Allianz
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| HealthGain
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Arogya Sanjeevani
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Health Guard
Gold
Platinum
Silver
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Health Ensure
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Health Care Supreme
Ultimo
Vital
Smart
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Arogya Sanjeevani
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| In-patient Treatment | |||||||
| covered illnesses /injuries, where the insured person is hospitalised for more than 24 consecutive hours. | Covers hospitalisation expenses | Covers hospitalisation expenses due to an disease/illness/injury | Covers hospitalisation expenses due to an disease/illness/injury | Covers hospitalisation expenses due to an disease/illness/injury | Covers hospitalisation expenses due to an disease/illness/injury | ||
| Room Rent | |||||||
| Actual | Up to 2% of the sum insured subject to maximum of Rs.5000 per day. | Silver plan: Up to 1% of Sum Insured per day (Excluding Cumulative Bonus) or actual, whichever is lower Gold: No sublimits |
1% of sum insured per day max.Rs.5,000 per day | Actual | 2% of sum insured, maximum up to Rs.5,000 per day | ||
| ICU Charges | |||||||
| Not Covered | Expenses up to 5% of sum insured subject to maximum of Rs.10,000 per day. | Actual | 2% of sum insured per day maximum Rs.10,000 per day | Actual | 5% of sum insured, maximum up to Rs.10,000 per day | ||
| Pre-hospitalization | |||||||
| Up to 60 days | Covers medical expenses incurred 30 days prior to the date of hospitalisation. | Up to 60 days | Up to 30 days | Up to 60 days | Up to 30 days | ||
| Post-hospitalization | |||||||
| Up to 60 days | Covers medical expenses incurred up to 60 days from the date of discharge. | Up to 90 days | Up to 60 days | Up to 90 days | Up to 60 days | ||
| Day Care Procedures | |||||||
| All day care procedures are covered | Medical expenses incurred for day care procedures taken at a hospital or day care centre. 24 hour mandatory hospitalization is not necessary in the day care procedure. | All day care procedures are covered | All day care procedures are covered | All day care procedures are covered | Covered | ||
| Domiciliary Treatment | |||||||
| Up to 10% of base sum insured,subject to maximum of Rs.50000 | Not covered | Not Covered | Not Covered | Not Covered | Not Covered | ||
| Emergency Ambulance | |||||||
| Up to Rs.1,500 to Rs.3000 per hospitalisation | Up to Rs.2,000 per hospitalisation | Up to Rs.20,000 per policy year | Up to Rs.1,000 per hospitalisation | Up to sum insured | Up to Rs.2,000 per hospitalisation | ||
| Dental Treatment | |||||||
| Not covered | Covered | Not Covered | Not Covered | Covered out patient expenses procedures – Root Canal Treatment, Extractions | Dental treatment, necessitated due to disease or an injury | ||
| Bariatric Surgery | |||||||
| Not covered | Not covered | 50% of Sum insured maximum up to Rs.5 lakhs (waiting period 3years) |
Not Covered | Covered if medically indicated | Not Covered | ||
| Ayush Benefit | |||||||
| Not covered | Covered, No Sub limits | Covered | Covered up to 20% of Sum Insured | Covered | Covered | ||
| Maternity Benefits | |||||||
| Not covered | Not covered | Silver plan: Up to 1% of Sum Insured per day (Excluding Cumulative Bonus) or actual, whichever is lower Gold: No sublimits |
Not Covered | Up to Rs.25,000 to Rs.1 lakh ( waiting period: 2 years) |
Not Covered | ||
| New Born baby cover | |||||||
| Not covered | Not covered | 50% of Sum insured maximum up to Rs.5 lakhs | Not Covered | Covered if medically indicated | Not Covered | ||
| Organ Donor Expenses | |||||||
| 50% of Sum Insured up to maximum Rs.5 Lac | Not covered | Covered up to sum insured | Covered up to sum insured | Available up to Rs.500,000 | Not Covered | ||
| Vaccination (In case of post bite treatment) | |||||||
| Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | ||
| Health Check-up | |||||||
| Not covered | Not covered | Every 3 years, 1% of sum insured, maximum Rs.5,000, irrespective of claim | Every 3 years, 1% of sum insured, maximum Rs.1,500, irrespective of claim | Annual | Not Covered | ||
| Hospital daily allowance | |||||||
| Not covered | Not covered | Not Covered | Not Covered | Up to Rs.1,000 per day | Not Covered | ||
| Co-pay | |||||||
| NIL for insureds lesserthan 61 years/ 20% co-pay for ages graterthan 61 years | 5% for all claims | Co-pay options of NIL / 20% based on Zonewise treatment availed |
Co-pay options of NIL / 20% based on Zonewise treatment availed | Co-pay options of NIL | 5% Co-pay applicable on all claims | ||
| Pre-existing diseases coverage | |||||||
| Pre-existing diseases covered after 36 months of continuous coverage. | Pre-existing diseases covered after 48 months of continuous coverage. | Covered after a waiting period of 3 years | Covered after a waiting period of 2 years | Covered after a waiting period of 2 years | Covered after a waiting period of 4 years | ||
| Restore Benefit | |||||||
| Not applicable | Not applicable | Restoration benefit available up to 100% of Base sum insured | NIL restoration benefit | Restoration benefit available up to 100% of Base sum insured | NIL restoration benefit | ||
| General waiting period | |||||||
| 30 days | 48 days | 30 days | 30 days | 30 days | 30 days | ||
| Renewal Benefit / Cumulative Bonus | |||||||
| 33.33% increase in Base Sum Insured for every claim free year; maximum up to 100%. 33.33% decrease in Base Sum Insured for every claim year; maximum up to Cumulative Bonus earned. | Increase in the sum insured by 5% in respect of each claim free year subject to a maximum of 50% of Sum Insured. | 10% of base sum insured per annum up to 10 years (if without any break no claim in the preceding year) | 5% on base sum insured for every claim free year and up to 25% | 10% on base sum insured for every claim free year and up to 50% | 5% on base sum insured for every claim free year and up to 50% | ||
| Emergency Air Ambulance | |||||||
| Not covered | Not covered | Not Covered | Not Covered | Rs.50,000 to Rs.5 lakhs | Not Covered | ||
| Available sum insured options | |||||||
| Plan A: 3 lac, 6 lac & 9 lakhs Plan B: 12 lac,15 lac & 18 lakhs |
1 lac, 1.5 lacs, 2 Lacs, 2.5 lacs, 3 lacs, 3.5 lacs, 4 lacs, 4.5 lacs and 5 Lacs. | Silver Plan: Rs.1.5 Lakhs, 2 Lakhs; Gold Plan: Rs.3 to 50 Lakhs |
Individual: Rs.50,000 to 10 Lakhs; Floater: Rs.2 to 10 Lakhs |
Rs.5 to 50 Lakhs | Rs.1 to 5 Lakhs | ||
| Policy can be purchased for | |||||||
| 1 years | 1 year | 1/2/3 years | 1/2/3 years | 1 year | 1 year | ||
| Eligibility criteria | |||||||
| 65 years. No entry age bar for an insured sum of 3 lakh covered under the policy | Child: 91 days to 25 years Adult: 18 years to 65 years |
Adults from 18 to 65 years (dependents 3 months to less than 30 years) | Adults from 18 to 99 years (dependents 3 months to less than 30 years) | Adults from 18 to 99 years (dependents 3 months to less than 25 years) | Adults from 18 to 65 years (dependents 3 months to less than 25 years) | ||
| Renewability | |||||||
| Renewal for whole life | Renewal for whole life | Renewal for whole life | Renewal for whole life | Renewal for whole life | Renewal for whole life | ||
| Daily Cash for Accompanying an Insured Child | |||||||
| Not covered | Not covered | Up to Rs.500 per day maximum up to 10 days during each policy year | Not covered | Not covered | Not covered | ||
| Claims loading | |||||||
| No Loading | No Loading | No Loading | Loading | Loading | No Loading | ||
| Portablity (At the time of renewal) |
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| Yes | Yes | Yes | Yes | Yes | Yes | ||
| Tax Benefits Limit | |||||||
| Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D | Income tax benefit under section 80D | ||
| Useful Links | |||||||
| Reliance | Bajaj Allianz | |
|---|---|---|
| Claims Settlement Ratio ** | 80.61% | 94.55% |
| Number of Lives Covered * | 22,48,000 | 2,46,85,000 |
| Network Hospitals | 4,000 + | 6,500 + |
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